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Southern First BancsharesSFST -0.96%57 Equity-to-Asset is 0.08 as of Mar. 2026, which is 11% below its 10-year median of 0.09. GuruFocus rates SFST with a GF Score™ of 57/100 and a GF Value™ of $47.00 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Southern First Bancshares ranks better than 54.95% on this metric.
The historical rank and industry rank for Southern First Bancshares's Equity-to-Asset or its related term are showing as below:
SFST'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.1
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Southern First Bancshares was 0.10. The lowest was 0.08. And the median was 0.09.
SFST's Equity-to-Asset is ranked better than 54.95% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs SFST: 0.10
Southern First Bancshares (NAS:SFST) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Southern First Bancshares Equity-to-Asset Related Terms
Southern First Bancshares Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SFST vs UNTY, BWB, CBNK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Southern First Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Southern First Bancshares Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Southern First Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Southern First Bancshares's Equity-to-Asset falls into.
Southern First Bancshares Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Southern First Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Southern First Bancshares (SFST) has a Equity-to-Asset of 0.08 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Southern First Bancshares and its competitors. This is 11% below median its historical median of 0.09. Over the past decade, Southern First Bancshares' Equity-to-Asset has ranged from 0.08 to 0.10. According to the industry distribution chart, Southern First Bancshares ranks #687 out of 1525 companies in the Banks industry, placing it in the top 45%.
Is Southern First Bancshares' Equity-to-Asset too high?
Southern First Bancshares' current Equity-to-Asset of 0.08 is 11% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Southern First Bancshares' value of 0.08 is 20% below this industry median. Based on the distribution chart, Southern First Bancshares ranks #687 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Southern First Bancshares has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern First Bancshares' Equity-to-Asset compare to UNTY and BWB?
According to the Banks industry distribution chart, Southern First Bancshares ranks #687 out of 1525 companies for Equity-to-Asset. This puts Southern First Bancshares in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Southern First Bancshares' value of 0.08 is 20% below this benchmark. Historically, Southern First Bancshares' own Equity-to-Asset has ranged from 0.08 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Southern First Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southern First Bancshares's current Equity-to-Asset of 0.08 is 20% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Southern First Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern First Bancshares's current Equity-to-Asset is 0.08, which is 11% below median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern First Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Southern First Bancshares (SFST) is currently considered Significantly Overvalued. The stock's GF Value™ is $47.00, compared to a current price of $61.67 — trading 31.2% above its estimated fair value. The current Equity-to-Asset is 0.08, which is 11% below median its 10-year median of 0.09 and 20% below the Banks industry median of 0.10. Southern First Bancshares' overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Southern First Bancshares (SFST), the current Equity-to-Asset is 0.08 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Southern First Bancshares (SFST) Overvalued in 2026?
Based on GuruFocus' analysis, Southern First Bancshares stock appears to be overvalued.
The current stock price of $61.67 is trading 31.2% above its estimated GF Value™ of $47.00.
GuruFocus considers Southern First Bancshares to be Significantly Overvalued.
Key valuation signals for SFST:
Equity-to-Asset: 0.08 (11% below median its 10-year median of 0.09)
GF Value™: $47.00 vs. price of $61.67 (31.2% above fair value)
Industry Position: 20% below the Banks median (#687 of 1525)
No single metric tells the full story. See the SFST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southern First Bancshares Inc is a bank holding company. Through its banking subsidiary, it is engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the FDIC), and providing commercial, consumer, and mortgage loans, ATM processing, and other banking products and services to the general public. The group operates through various retail offices located in the Greenville, Columbia, and Charleston markets of South Carolina, three retail offices in the Raleigh, Greensboro, and Charlotte markets of North Carolina, and one retail office in Atlanta, Georgia.
57GF Score
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